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A Research into the Deposit Insurance System in America

Author: ZhengHai
Tutor: PuYingAi
School: Jilin University
Course: World economy
Keywords: Deposit insurance system The interests of depositors Financial system FDIC Protect depositors Inter-bank market Depository institutions Problem banks System design Risk rates Financial system Financial stability Banking crisis Insured bank Regulatory authorities Degree of risk Fixed rate system insurance Banking system Rates system
CLC: F837.12
Type: Master's thesis
Year: 2011
Downloads: 342
Quote: 0
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Abstract

Since 1933, the United States to establish a deposit insurance system in the world's first, more than 90 countries and regions around the world to establish a deposit insurance system, there are more than 20 countries and regions are studying, planning or preparing for the implementation of this system. 70 years of development process, the deposit insurance system has withstood the test of many financial crises, has been adopted by more and more countries. Practice has proved that the deposit insurance system to protect the interests of the small depositors and prevent bank runs, the maintenance of banking stability is very effective. Together and referred to as the \The United States is the world's first country to establish a deposit insurance system. Its deposit insurance system in the development process, has experienced several major institutional reforms, particularly into the 21st century, the U.S. deposit insurance system has been further improvement and development, and can adapt to the new needs and financial situation. It can be said that the history of the development of the deposit insurance system in the United States is a model for the evolution of the global deposit insurance system, the deposit insurance system is the most comprehensive system, the development of the system is the system of the times, it is worth learning system . China is in a stage of rapid economic development, financial stability is directly related to the development of the national economy. From our financial environment in which, with the deepening of the reform of the financial system and market competition intensifies, various uncertainties increasing, maintain financial stability has become an urgent need to address the problem. Therefore, the deposit insurance system as one of the \I believe that the discussion of the deposit insurance system, can not fail to study the deposit insurance system in the United States. This article is from the development of the deposit insurance system and to start the process of improvement, analysis of the composition and content of the system, and to summarize the experience in the United States, and the views and ideas of the establishment of a deposit insurance system in China. This paper is divided into five chapters. The first chapter is the theoretical discourse on the deposit insurance system. Public goods theory explains why financial markets need the intervention of the public authority, which is the theoretical basis of the government in the financial markets to provide the public service of the deposit insurance. The bank run theory, the theory of the banking crisis infectious banks have inherent vulnerability, and the establishment of a deposit insurance system is stable depositor confidence in banks, so as to maintain a stable banking system is one important way. Moral hazard and adverse selection theory flawed deposit insurance system, once the system design will lead to a greater risk of problems. Therefore, the theory provides a theoretical basis for the design of the deposit insurance system. The second chapter is introduced on the analysis of the background of the establishment of the deposit insurance system and the development of the process of improvement. Through the study of the history of the deposit insurance system in the United States, we can conclude that the development trajectory and successful experience. Especially since the beginning of the twenty-first century, the changes in the content of the deposit insurance system for China to establish deposit insurance system and the system design provides the reference sample. The third chapter is detailed and summarized the main contents and characteristics of the deposit insurance system. Is one of the focus of this article. By introducing the main content of the deposit insurance system, summarize the characteristics analysis of why the United States so the system design, the background and purpose of this design is to provide a reference for the system design of the deposit insurance system in China. Chapter is also one of the focus of this paper, through the study of the deposit insurance system in the United States, analyzed the results and experience of the deposit insurance system in the United States, provides a systematic basis for our reference the deposit insurance system in the United States. The fifth chapter some ideas on China to establish a deposit insurance system. U.S. deposit insurance system, and learn from the successful experience in the United States, according to China's basic national conditions, China's deposit insurance system functions, system design, environmental construction and some other specific issues put forward their own ideas. In short, the U.S. deposit insurance system is one of the more successful system, protect the interests of depositors, stabilize the confidence of depositors and safeguard the healthy development of the financial sector has a very important role. Our country should be inspired by the establishment of a deposit insurance system suitable for China's national conditions.

A Research into the Deposit Insurance System in America

Abstract

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